India's first AI-driven loan refinancing engine.
One platform for refinancing every loan you carry - home, personal, auto, business, credit card. TransferYourLoan's AI ranks live offers from 30+ RBI-regulated lenders and orchestrates the entire switch.
Why borrowers choose EMIvana
Every loan, one platform
Manage refinancing across your entire debt portfolio. No juggling multiple apps or DSAs.
Live offer engine
Rates update in real-time as our lender partners change their cards. You always see the truth.
Fully orchestrated switch
From comparison to NOC to disbursal - our experts coordinate every step end-to-end.
Whole-portfolio refinance: home + PL + credit card
How it works
Connect your loans
Manual entry or Account Aggregator auto-fetch.
AI ranks all options
Per loan: refinance, balance transfer, consolidation or stay-put.
You approve the plan
Clear monthly EMI, total interest and credit score deltas.
We execute everything
Documentation, lender liaison, old loan closure, NOC tracking.
Frequently asked
Which loan types can I refinance?+
Home loans, personal loans, auto loans, business loans and credit card debt (via consolidation). Education loans coming soon.
How does TransferYourLoan make money?+
Rs 199/month subscription plus referral fees from RBI-regulated lender partners - disclosed upfront. We always rank offers by your savings, not our payout.
Loan refinancing in India - related topics
The full vocabulary of refinancing every kind of loan in the Indian market.
Loan refinance - Replace one or more existing loans with a cheaper new one.
Balance transfer - Move outstanding principal to a lender offering a lower rate.
Debt consolidation - Combine credit cards and personal loans into one low-rate loan.
Account aggregator - RBI framework for instant, consent-based loan data sharing.
RBI regulated lender - Bank, NBFC or HFC licensed and supervised by the Reserve Bank.
Floating interest rate - Rate that moves with benchmark like the repo rate.
Fixed interest rate - Rate locked for a stated tenure, immune to market swings.
NOC certificate - Old lender's confirmation that the closed loan has zero dues.
Loan portfolio - Your complete set of active borrowings across categories.
Refinance smarter. Save more. Stress less.
Free AI scan across your entire loan portfolio. Expert callback in 30 minutes.
- ✓ Free AI analysis across all your loans
- ✓ Compare offers from 30+ RBI-regulated lenders
- ✓ Zero impact on your credit score